LT
SBA 7(a) franchise lending portfolio
Loyal Trust Bank
EXCELLENT risk
- Total loans
- 13
- Loan volume
- $20.8M
- Avg loan size
- $1.6M
- Charge-off rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
7.51%
Franchises funded
10
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| American Deli | 2 | $395K | N/A |
| Best Western - Membership Agre | 2 | $7.9M | N/A |
| OYO - Marketing and Operationa | 2 | $3.4M | N/A |
| Days Inn by Wyndham | 1 | $1.4M | N/A |
| Paris Baguette | 1 | $988K | N/A |
| bb.q Chicken | 1 | $814K | N/A |
| Wnb Factory | 1 | $655K | N/A |
| Chevron - Retail Supply Contra | 1 | $1.5M | 0.0% (low risk) |
| Cary Oil Company Inc - Complet | 1 | $3.1M | N/A |
| Tin Drum Asian Kitchen | 1 | $684K | N/A |
Lending volume by year
4'21
2'22
2'23
1'24
4'25
Source: SBA 7(a) FOIA loan-level data, aggregated by FranchiseVerdict
Charge-off rate = charge-offs / (charge-offs + paid-in-full). Active, exempt, and cancelled loans are excluded. Risk ratings: Excellent (<5%), Good (5-10%), Average (10-15%), Elevated (15-20%), High Risk (>20%).
Frequently asked questions
- How many SBA 7(a) franchise loans has Loyal Trust Bank originated?
- 13 loans totaling $20.8M. The portfolio carries a 0.0% charge-off rate, earning a “EXCELLENT” risk rating.
- What is the charge-off rate and why does it matter?
- Charge-off rate = charge-offs / (charge-offs + paid-in-full). For SBA 7(a) franchise lending, the national average runs 5–8%. Portfolios materially above that signal either riskier franchise selection or weaker underwriting.
- Where does this lending data come from?
- SBA 7(a) loan records released under the Freedom of Information Act. Each record carries approval date, amount, lender, business type, NAICS code, location, and outcome. See methodology.
- Which franchise brands does Loyal Trust Bank fund the most?
- The “Top franchise exposures” table above lists the brands Loyal Trust Bank has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.